Do you want to save money by finding more competitive BMW X6 insurance in Columbus? No sane person likes paying for auto insurance, especially when they could find better prices if they shop around.
Amazingly, a recent NerdWallet.com study showed that the vast majority of consumers in Ohio have bought auto insurance from the same company for a minimum of four years, and about 40% of consumers have never shopped around. With the average auto insurance premium being $1,847, U.S. drivers could save roughly $850 every year, but they feel it’s too difficult to do a rate comparison.
Steps to buying cheaper BMW X6 insurance in Columbus
Truthfully, the best way to find low-cost prices for car insurance rates in Columbus is to make a habit of comparing prices annually from providers in Ohio.
- Step 1: Gain an understanding of how car insurance works and the factors you can control to prevent expensive coverage. Many factors that result in higher rates such as at-fault accidents, speeding tickets, and an unacceptable credit rating can be improved by making minor changes to your lifestyle. Keep reading for more ideas to find cheap rates and find discounts that may have been missed.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from many different companies.
- Step 3: Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Notify your current company to cancel your current policy. Submit payment and a signed application for your new policy. Once coverage is bound, place the new proof of insurance certificate somewhere easily accessible.
A tip to remember is to try to use the same level of coverage on every price quote and and to get rates from every company you can. Doing this helps ensure a fair rate comparison and a thorough selection of prices.
Lots of car insurance companies contend for your business, and because of this it can be hard to compare insurers to get the lowest rate on BMW X6 insurance in Columbus.
You should take the time to do price comparisons occasionally since insurance prices change quite often. Just because you had the best quotes on BMW X6 insurance in Columbus at your last renewal other companies may now be cheaper. There is a lot of wrong information about X6 insurance online, but in a few minutes you can learn some excellent ideas to find cheap auto insurance in Columbus.
If you currently have auto insurance, you will surely be able to reduce premiums using the ideas presented in this article. Locating the best rates in Columbus is actually quite easy if you know where to start. Nevertheless, Ohio consumers do need to learn the way companies set your policy premium because rates fluctuate considerably.
How to get Columbus BMW X6 insurance quotes
When looking for affordable Columbus auto insurance quotes, there are a couple ways of comparing rates from all the different companies. The easiest way by far to find affordable BMW X6 insurance rates is to jump online and get quotes.
Comparison shopping quotes online is easy and it replaces the need to drive around to and from local insurance agencies. Quoting BMW X6 insurance online eliminates the need for an insurance agent unless you want the personal advice only provided by licensed agents. Drivers can compare online quotes and get advice from an agent in your area.
When price shopping your coverage, obtaining a wide range of quotes helps increase your odds of locating lower pricing.
The auto insurance companies shown below are our best choices to provide quotes in Ohio. If the list has multiple companies, we recommend you visit as many as you can in order to get a fair rate comparison.
Three good reasons to insure your X6
Despite the potentially high cost of BMW X6 insurance, insuring your vehicle is most likely required but also gives you several important benefits.
First, the majority of states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your car, almost all lenders will make it a condition of the loan that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your BMW at a significantly higher premium and force you to pay the higher price.
Third, auto insurance protects both your car and your personal assets. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If your BMW gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance are without a doubt worth the cost, particularly when you have a large claim. On average, a vehicle owner in Columbus is wasting up to $869 every year so you should quote and compare rates every year to ensure rates are competitive.
BMW X6 insurance analysis
The coverage information displayed next showcases detailed analysis of coverage costs for BMW X6 models. Learning as much as possible about how insurance policy rates are established can help you make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X6 35I AWD | $210 | $468 | $256 | $16 | $76 | $1,026 | $86 |
| X6 50I AWD | $228 | $522 | $256 | $16 | $76 | $1,098 | $92 |
| X6 ActiveHybrid AWD | $248 | $576 | $256 | $16 | $76 | $1,172 | $98 |
| X6 M AWD | $248 | $576 | $256 | $16 | $76 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Prices do not factor in garaging location in Columbus which can affect coverage prices greatly.
Choosing deductibles
The hardest decision when buying coverage is how high should the physical damage deductibles be. The premium rates below sum up the differences in price when you select higher and lower comp and collision deductibles. The first table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X6 35I AWD | $244 | $454 | $226 | $14 | $68 | $1,031 | $86 |
| X6 50I AWD | $266 | $506 | $226 | $14 | $68 | $1,105 | $92 |
| X6 ActiveHybrid AWD | $288 | $558 | $226 | $14 | $68 | $1,179 | $98 |
| X6 M AWD | $288 | $558 | $226 | $14 | $68 | $1,179 | $98 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| X6 35I AWD | $198 | $366 | $226 | $14 | $68 | $872 | $73 |
| X6 50I AWD | $216 | $408 | $226 | $14 | $68 | $932 | $78 |
| X6 ActiveHybrid AWD | $234 | $450 | $226 | $14 | $68 | $992 | $83 |
| X6 M AWD | $234 | $450 | $226 | $14 | $68 | $992 | $83 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific garaging location which can modify insurance rates greatly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $15 more each month or $180 every year than requesting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 17 months between claims, you would come out ahead if you elect the higher deductible.
The chart below illustrates how your choice of deductibles and can influence BMW X6 annual premium costs for different age groups of insureds. The data is based on a married female driver, full physical damage coverage, and no other discounts are factored in.
Cheaper rates by applying discounts
Not many people think insurance is cheap, but discounts can save money and there are some available that can help lower your rates. Certain reductions will be credited when you quote, but some may not be applied and must be asked for prior to getting the savings. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.
- Military Discounts – Having a family member in the military may lower your prices slightly.
- Discounts for Federal Employees – Federal government employees could cut as much as 10% off with some auto insurance companies.
- Senior Citizens – Drivers over the age of 55 may qualify for lower premium rates.
- No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies permit an accident before they charge you more for coverage if you are claim-free for a set time period.
- Clubs and Organizations – Having an affiliation with a civic or occupational organization in Columbus is a simple method to lower premiums when getting a Columbus auto insurance quote.
- Distant Student Discount – College-age children who live away from home at college without a vehicle on campus may qualify for this discount.
It’s important to note that most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, you’re out of luck.
The information below compares BMW X6 car insurance rates with and without discounts applied. The data is based on a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, marriage, safe-driver, and multi-policy discounts applied.
If you would like to view insurance companies that offer the discounts shown above in Ohio, click here to view.
Local insurance agents
Many people still prefer to visit with an insurance agent and that can be a great decision The best thing about comparing rate quotes online is the fact that drivers can get lower rates but still work with a licensed agent. Buying from and supporting local insurance agents is especially important in Columbus.
To find an agent, once you fill out this form (opens in new window), the coverage information is sent to local insurance agents who will give you quotes to get your business. There is no need to do any legwork since rate quotes are delivered to you directly. You can find the lowest rates and a licensed agent to work with. If for some reason you want to get a rate quote for a specific company, just search and find their rate quote page and fill out their quote form.
When looking for a local agent, it’s helpful to know the different agency structures from which to choose. Auto insurance policy providers can be categorized as either independent or exclusive.
Independent Agents (or Brokers)
Independent insurance agents do not have single company limitations so they can insure your vehicles with an assortment of companies enabling the ability to shop coverage around. If they quote lower rates, your policy is moved internally which requires no work on your part.
When searching for an agent, it’s a good idea to include price quotes from multiple independent agents to maximize your price options.
Shown below are Columbus independent insurance agencies that may be able to give you rate quotes.
John Dawson Associates
6025 Cleveland Ave – Columbus, OH 43231 – (614) 890-1660 – View Map
Gardiner Allen DeRoberts Insurance LLC
777 Goodale Blvd – Columbus, OH 43212 – (614) 221-1500 – View Map
Wiles Insurance Agency
348 Granville St – Gahanna, OH 43230 – (614) 536-0370 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only quote rates from one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to shop your coverage around so they really need to provide good service. Exclusive agents are trained well on their company’s products and that allows them to sell at a higher price point.
The following are Columbus exclusive insurance agents that are able to give price quotes.
Russell A Popp – State Farm Insurance Agent
2844 Johnstown Rd – Columbus, OH 43219 – (614) 471-5557 – View Map
Buddy White – State Farm Insurance Agent
1500 S Hamilton Rd – Columbus, OH 43227 – (614) 864-1050 – View Map
Ray Cook – State Farm Insurance Agent
7846 Olentangy River Rd – Columbus, OH 43235 – (614) 846-2886 – View Map
Selecting a insurance agency requires more thought than just the bottom line cost. These questions are important to ask:
- Can you choose the body shop in case repairs are needed?
- Do they offer claims assistance after hours?
- How long has their agency been open in Columbus?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do you need full coverage on every vehicle?
After receiving positive feedback to any questions you may have and a good coverage price, you have narrowed it down to an insurance agent that is a good match to provide auto insurance coverage.
Quote more and you will save more
We covered many tips how you can save on BMW X6 insurance in Columbus. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best car insurance rates are with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.
When you buy Columbus auto insurance online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an insured cut physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.
Steps to finding cheaper quotes for BMW X6 insurance in Columbus
It takes a few minutes, but the best way to get low-cost auto insurance rates is to compare quotes annually from providers that sell auto insurance in Columbus.
- First, take a little time to learn about how companies price auto insurance and the things you can change to keep rates low. Many things that result in higher prices such as inattentive driving and a less-than-favorable credit rating can be amended by making minor changes in your lifestyle.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive or State Farm, while independent agencies can quote rates for a wide range of insurance providers.
- Third, compare the quotes to your current policy to determine if you can save on X6 insurance in Columbus. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key thing to remember is to compare similar limits and deductibles on each quote request and and to get rate quotes from as many companies as feasibly possible. This helps ensure the most accurate price comparison and a complete rate analysis.
Additional auto insurance information can be found below:
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest in Columbus, Ohio? (FAQ)
- Who Has Affordable Car Insurance for Inexperienced Drivers in Columbus? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Company Car in Columbus? (FAQ)
- Who Has Affordable Columbus Auto Insurance for Drivers with Accidents? (FAQ)
- Who Has Cheap Columbus Car Insurance Rates for College Students? (FAQ)
- Who Has Affordable Auto Insurance for Lyft Drivers in Columbus? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Winter Driving (Insurance Information Institute)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)